FAQ: Student Health Insurance Plan

The following frequently asked questions are intended to provide currently registered California College of the Arts students -- continuing students and new CCA admits alike -- with student health insurance information.

Additionally, we encourage you to review the benefit plan summary for an overview of services provided under the Kaiser Permanente HMO plan.

Contact

For more information, please see Contact information listed at the bottom of this page.

Existing Health Insurance Plans

What if I already have health insurance through a non-CCA insurance plan? Answer »

How will I know if my waiver application has been approved or denied? Answer »

CCA's Kaiser Permanente HMO
Student Health Insurance Plan

What constitutes being a full-time student in terms of health insurance coverage? Answer »

What if I need to see a doctor, but have yet to receive my medical card? Answer »

How and when do I enroll my partner/spouse/child(ren)? Answer »

Are pre-existing conditions covered? Answer »

Is health insurance coverage mandatory? Answer »

Is coverage offered to part-time students? Answer »

How do I enroll? Answer »

What are the coverage dates? Answer »

Is dental coverage included? Answer »

Is vision coverage included? Answer »

Is chiropractic coverage included? Answer »

Are dependents covered? Answer »

Are domestic partners covered? Answer »

How do I choose a Kaiser Permanente physician? Answer »

Why should I call the 24-Hour/Seven-Days-a-Week Advice Nurse Line? Answer »

How do I locate the nearest medical facility? Answer »

Am I covered when I visit another school for a summer/semester? Answer »

What about travel assistance? Answer »

What about travel insurance? Answer »

What happens if I need to see a doctor when I’m home for summer, yet no Kaiser Permanente facility exists in my area? Answer »

What about a prescription plan? Answer »

How do I obtain my prescriptions through Kaiser Permanente’s mail-order pharmacy? Answer »

Do options exist to see a specialist? Answer »

Who do I contact if I have a question? Answer »

Existing Health Insurance Plans

What if I already have health insurance through a non-CCA insurance plan?

All students registered at 12 or more units per semester (9 units per term for the Graduate Program in Visual and Critical Studies students, 9 units per semester for the Graduate Program in Writing continuing students for the 2014-2015 academic year) are required to carry health insurance, whether through the college's student health insurance plan or another plan.

Students who seek to continue with a non-CCA health insurance plan are required to officially waive the insurance enrollment in the Kaiser Permanente HMO plan by submitting an online waiver application.

Please see the Waiver FAQ for more information. The online waiver application must be completed by Friday, September 13, 2013, for the fall term and by Friday, January 31, 2014, for the spring term.

How will I know if my waiver application has been approved or denied?

Once you submit your online waiver application, you will receive an instantaneous response. The last screen of the online waiver application process will provide you with approval or denial information.

Please check your CCA email account for a record of your waiver application approval or denial.

Please see the Waiver FAQ for more information.

Answers About CCA's Kaiser Permanente HMO Student Health Insurance Plan

All content forward refers specifically to the CCA Kaiser Permanente HMO Student Health Insurance Plan.

Read the benefit plan summary »

What constitutes full-time student status in terms of health insurance coverage?

For health insurance purposes only, all degree-seeking students who are registered in 12 or more units per term (9 units per term for the Graduate Program in Visual and Critical Studies students, 9 units per semester for the Graduate Program in Writing continuing students for the 2014-2015 academic year) are considered full-time students and therefore required to have health insurance coverage.

What if I need to see a doctor, but have yet to receive my medical card?

To make an appointment, you will need your Kaiser medical record number (MRN) (also known as, an identification number). To get your MRN, please follow these steps:

(1) Call 1.800.464.4000
(2) Press option 4 to speak to Member Services. The automated system will ask you to enter your MRN or your social security number. CCA does not release your social to Kaiser, so please just wait on the line until you are automatically transferred to a live person.
(3) Explain that you are a new student on the CCA insurance plan and request your medical record number. The live customer service rep may also ask for your social. Please tell them that you don't have it, but to please verify you by address and date of birth instead. (Note: Either your current local address or your permanent home address may be in their system, so please be prepared to offer both.)
(4) After they find your medical record number, ask to schedule an appointment. (Note: When you arrive for your appointment, please be prepared to show your photo ID.)

How and when do I enroll my partner/spouse/child(ren)?

Please call the student health insurance broker, Wells Fargo Insurance Services at (800) 853-5899, Monday-Friday 8:30 a.m. to 5 p.m. (PST).

Does the Kaiser Permanente Student Health Insurance Plan cover pre-existing conditions?

Yes. We believe the most important aspect of our plan is the lack of a pre-existing condition clause. We understand that many students may have health conditions, and they deserve quality health insurance regardless of their condition. Preexisting conditions do not affect the cost of the plan, nor is coverage determined by the severity of the condition. Registered students are covered for all medical conditions while enrolled in the plan.

Is student health insurance coverage mandatory?

Yes. All degree-seeking students who are registered at 12 or more units per semester (9 units per term for the Graduate Program in Visual and Critical Studies students, 9 units per semester for the Graduate Program in Writing continuing students for the 2014-2015 academic year) must have health insurance coverage. An insurance fee is charged at registration each semester.

The fall 2013 fee is $934, which provides coverage from August 15, 2013, through December 31, 2013.

The spring 2014 fee is $1,549, which provides coverage from January 1, 2014 through August 14, 2014. See Tuition & Fee Schedule for additional fees.

Is coverage offered to part-time students?

Students registered for fewer than 12 units (except for Visual and Critical Studies graduate students taking 9 units/term and and the Graduate Program in Writing continuing students taking 9 units/term for the 2014-2015 academic year) are ineligible for the Kaiser Permanente HMO student health plan. However, other options do exist.

Students are encouraged to see what options are available on the insurance marketplace. Financial assistance may be available. Students who prefer not to go through the marketplace can contact Wells Fargo Insurance Services at 800.310.7213 for more information about an individual plan or check out individual health insurance plans. For Kaiser Permanente Individuals and Family plans, please go to the Kaiser website or call 1.800.914.8352.

How do I enroll?

All degree-seeking students who are registered at 12 or more units per semester (9 units per term for the Graduate Program in Visual and Critical Studies students, 9 units per semester for the Graduate Program in Writing continuing students for the 2014-2015 academic year) are automatically enrolled in the Kaiser Permanente HMO Student Health Insurance Plan.

(Note: If you do not submit an online waiver application by the specified date, insurance premiums are automatically charged to the student's account.)

What are the coverage dates?

  • Annual: August 15, 2013–August 14, 2014
  • Fall: August 15, 2013–December 31, 2013
  • Spring/Summer: January 1, 2014–August 14, 2014

Is dental coverage included?

Dental coverage is not included; however, you may purchase an individual dental plan by visiting studentinsurance.wellsfargo.com.

Is vision coverage included?

Yes. Vision exams are covered ($20 copay per visit). Kaiser Permanente members are also entitled to a 20 percent discount on eyeglasses and contact lenses purchased at Kaiser Permanente Optical Centers.

Is chiropractic coverage included?

Yes. Chiropractic benefits have been added (with a $15 copay). Students are required to see a chiropractor within Kaiser's network. The chiropractor bills Kaiser directly for services provided.

To schedule an appointment, or simply to learn more about this benefit, see the Student Health section or download the Kaiser Permanente chiropractic info sheet.

Are dependents covered?

  • Coverage for dependents is available for an additional fee.
  • Dependents must be enrolled within 30 days from the date the student is enrolled in the plan, or within 31 days of one of the following qualifying events: marriage, birth*, adoption, or arrival in the United States.

  • For covered students, newborns are automatically insured for injury or sickness from birth until 31 days old. Coverage for a newborn can be continued provided Wells Fargo Insurance Services is notified in writing within 31 days from the date of birth and all additional premiums are paid.

Are domestic partners covered?

Yes. Coverage is available for domestic partners. (Note: You and your companion must be registered as domestic partners with the state, or meet the requirements as outlined by the Affidavit of Domestic Partnership).

How do I choose a Kaiser Permanente physician?

Visit the Kaiser Permanente website at www.kp.org where you can search by name, location, or facility.

Why should I call the 24-Hour/Seven-Days-a-Week Advice Nurse Line?

The advice nurse line is the same number as the appointment line - 510.752.1190 (Oakland) or 415.833.2200 (San Francisco). It offers registered nurses (RNs) who offer advice regarding symptoms, including what a member can do to reduce or alleviate such symptoms.

Advice nurses are available 24 hours a day, seven days a week. They can often resolve a minor concern over the phone, which saves a trip to the doctor.

Additionally, as appropriate, advice nurses can make a same-day or next-day urgent-care appointments.

How do I locate the nearest medical facility?

Visit the Kaiser Permanente website at www.kp.org where you can search by name, location, or facility. You may also download a map of Kaiser Permanente facilities in Northern California.

Am I covered when I visit another school for a summer/semester?

Coverage remains in effect for the entire term you have purchased. If you travel outside the Kaiser Permanente coverage area, coverage for emergency or urgent conditions remains in effect.

Kaiser Permanente is well known throughout most of the United States, including some European countries, so medical expenses incurred outside Kaiser Permanente are usually billed directly.

In rare occasions students may be asked to pay for medical treatment at the time of service, in which case Kaiser Permanente would reimburse the student. Be sure to keep all medical expense receipts.

In the event a medical bill exceeds the student’s ability to pay upfront, call the 800 number listed on the back of the member ID card and Kaiser Permanente will work with the doctor/hospital facilitate payment.

In Europe, Brazil, and many other countries, a Kaiser International representative may visit the hospital where a student is receiving treatment to ensure the level of care is appropriate.

Should Kaiser Permanente have concerns regarding the quality of care being administered, a recommendation may ensue to return the student to the United States at Kaiser Permanente’s expense.

What about travel assistance?

Travel assistance provides support services in case of an emergency while traveling. On Call International provides emergency-only coverage for students who study abroad. This coverage is included for students who have the Kaiser Permanente CCA Health Insurance Plan.

Please call 1.877.318.6901 (toll-free within the US and Canada) or 1.603.328.1909 (collect from outside the United States and Canada) to reach On Call International’s Global Response Center. The Center is staffed 24 hours a day, 365 days a year with trained multilingual coordinators and doctors to advise and assist you quickly and professionally in an emergency.

What about travel insurance?

Travel insurance is like a typical insurance plan that provides protection for monetary losses that can occur while traveling. Students should have health insurance coverage and travel insurance while traveling abroad.

What happens if I need to see a doctor when I’m home for summer, yet no Kaiser Permanente facility exists in my area?

Kaiser Permanente members are covered for urgent unforeseen illnesses or injuries while outside the Kaiser Permanente service area. Medical assistance in this situation requires urgency, but does not have to be life threatening.

For example, a common cold does not warrant urgent care, but the following conditions might: a strep throat infection, a fever that lasts longer than several days, or a possible ear infection (this list is not exhaustive).

See additional advice nurse information above.

Students should call Kaiser Permanente’s 24-hour advice nurse line at 888.576.6225, explain their symptoms, and follow all instructions. Kaiser Permanente logs all advice calls in its online medical record.

What about a prescription plan?

Yes. A 30-day supply of your prescription medication picked up at a Kaiser Permanente pharmacy is covered with a $10 copay (generic) and $30 copay (brand name and nonformulary drugs).

A 100-day supply of your prescription medication through Kaiser Permanente’s mail-order pharmacy is covered with a $10 copay (generic) or a $60 copay (brand name and nonformulary drugs).

How do I obtain my prescriptions through Kaiser Permanente’s mail-order pharmacy?

With the Kaiser Permanente HMO $20 copay plan, members pay $10 or $60 for up to a 100-day supply of medication.

First-Time Setup

  • Call the Pharmacy Call Center (two weeks before you run out of medication) to set up mail order: 888.218.6245.
  • Choose Option 2 to speak to a pharmacist (instead of using the automated system). You'll be able to provide your credit card information and verify the address to where your medication should to be sent.
  • The pharmacist will deduct $20 copay from your credit card before mailing prescriptions. (Note: No delivery fees are applied when using the Kaiser Permanente mail-order pharmacy to order prescriptions.)
  • Mail-order delivery is completed within 7 to 14 business days.

Refill Prescriptions

Call the toll-free mail-order refill number (RX) on your prescription and provide the refill number for each desired prescription. The automated refill service will prompt you if you need to make changes to your account information.

Be sure to allow a minimum of 10 days for processing when ordering a refill of a medication.

Do options exist to see a specialist?

A primary care physician can issue a referral for visiting a specialist.

Who do I contact if I have a question?

For more information, please contact:

Access & Wellness Services

Suzanne Raffeld, LCSW, Director of Access & Wellness Services
5212 Broadway, Oakland CA 94618
Phone: 510.594.3775
Fax: 510.594.3740
Email: sraffeld@cca.edu